Who Has the Cheapest Car Insurance in Ann Arbor, MI?
Progressive has the cheapest full coverage auto insurance in Ann Arbor, MI, at an average of $129 per month.
Compare Car Insurance Rates in Ann Arbor, MI
Best cheap car insurance in Ann Arbor, MI
How we chose the top companies
Best and cheapest car insurance in Michigan state
- Cheapest full coverage: Progressive, $129/mo
- Cheapest minimum liability: AAA, $50/mo
- Cheapest for young drivers: Auto-Owners, $83/mo
- Cheapest after a ticket: Progressive, $156/mo
- Cheapest after an accident: Auto-Owners, $172/mo
- Cheapest for teens after a ticket: Farm Bureau, $88/mo
- Cheapest after a DUI: Progressive, $147/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau offers the best auto insurance for most people in Ann Arbor, MI. The company has a good combination of affordable coverage and good customer service.
USAA has the cheapest rates and the best customer service among top car insurance companies in Ann Arbor. But, you can only get coverage through USAA if you or an immediate family member are a current or former member of the military.
Cheapest car insurance in Ann Arbor: Progressive
Progressive sells the cheapest car insurance in Ann Arbor, MI.
The company charges an average of $129 for full coverage car insurance. That's 43% cheaper than the
Ann Arbor city average.
Find Cheap Auto Insurance Quotes in Ann Arbor
USAA has a strong reputation for customer satisfaction. The company also has cheaper average rates than Progressive, at $122 per month. But, you can only get insurance through USAA if you or an immediate family member are current or former military.
Farm Bureau has affordable rates and good customer service. Although Farm Bureau charges higher average rates than Progressive, it may be worthwhile to consider if service matters more to you than getting the cheapest price.
Cheapest full coverage car insurance in Ann Arbor
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $129 | |
| Auto-Owners | $146 | |
| Farm Bureau | $160 | |
| AAA | $167 | |
| State Farm | $177 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in Ann Arbor: AAA
AAA offers the most affordable auto insurance in Ann Arbor for minimum liability coverage, at an average of $50 per month.
That's roughly one-third cheaper than the city average of $72 per month.
Auto-Owners also has cheap rates, at $53 per month, on average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| AAA | $50 |
| Auto-Owners | $53 |
| Farm Bureau | $55 |
| Progressive | $69 |
| State Farm | $84 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Ann Arbor
Cheapest car insurance in Ann Arbor for teens: Auto-Owners
Auto-Owners has the cheapest car insurance for teen drivers in Ann Arbor.
The company charges an average of $83 per month for minimum liability coverage and $254 per month for a full coverage policy. That's roughly half the city average of each coverage level.
Farm Bureau also has cheap rates for minimum liability coverage and for full coverage car insurance.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $83 | $254 |
| Farm Bureau | $88 | $259 |
| AAA | $99 | $364 |
| Allstate | $216 | $658 |
| Progressive | $222 | $581 |
*USAA is only available to current and former military members and their families.
Ann Arbor teens can save on car insurance by sharing a policy with their parents. Other good ways to save include taking advantage of discounts for young people like the good student discount or student away from home.
Most affordable auto insurance in Ann Arbor after a speeding ticket: Progressive
Progressive has the most affordable coverage for Ann Arbor drivers who have a speeding ticket. The company charges an average of $156 per month, which is one-third less than the city average of $232.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $156 |
| Farm Bureau | $160 |
| Auto-Owners | $172 |
| AAA | $201 |
| State Farm | $227 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance in Ann Arbor after an accident: Auto-Owners
Auto-Owners has the cheapest car insurance rates for drivers who've had an accident, at $172 per month, on average. That's one-third cheaper than the citywide average of $255 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $172 |
| Progressive | $182 |
| Farm Bureau | $195 |
| State Farm | $210 |
| AAA | $243 |
*USAA is only available to current and former military members and their families.
In Ann Arbor, an at-fault accident will raise your monthly rate by 38% on average. Shopping around and comparing quotes is the best way to lower what you pay for car insurance after a crash.
Cheapest car insurance for teens after a ticket or accident: Farm Bureau & Auto-Owners
Farm Bureau has the cheapest car insurance for Ann Arbor teens who've gotten a ticket, at $88 per month, on average. That's 61% cheaper than the city average.
Auto-Owners has the most affordable coverage for teens with an accident on their records. The company charges an average of $97 per month. That's less than half the city average of $226 per month.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $88 | $107 |
| Auto-Owners | $97 | $97 |
| AAA | $110 | $125 |
| Progressive | $230 | $245 |
| Allstate | $295 | $312 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Ann Arbor for drivers with a DUI: Progressive
Progressive has the cheapest car insurance in Ann Arbor for drivers who have a DUI, at $147 per month, on average. That's 70% cheaper than the city average.
Cheapest Ann Arbor car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $147 |
| Auto-Owners | $344 |
| Farmers | $374 |
| Farm Bureau | $403 |
| AAA | $427 |
*USAA is only available to current and former military members and their families.
A DUI raises the cost of car insurance in Ann Arbor by 169%, on average. Fortunately, your auto insurance company won't raise your rates until your policy renews.
If you have a DUI, consider shopping around for car insurance at your next policy renewal.
Average cost of car insurance in Ann Arbor by neighborhood
The most expensive neighborhood for car insurance in Ann Arbor is the area around the University of Michigan, at $192 per month, on average.
The cheapest neighborhoods for car insurance in Ann Arbor include Dicken, Haisley and Eberwhite, at an average of $185 per month. Factors like the amount of theft, vandalism and traffic in your area can influence the amount you pay for car insurance.
Keep in mind that Ann Arbor is a small city, and the amount you'll pay for car insurance doesn't differ much between neighborhoods.
Full coverage quotes by Ann Arbor ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 48103 | $185 | -2% |
| 48104 | $187 | -1% |
| 48105 | $188 | 0% |
| 48108 | $190 | 1% |
| 48109 | $192 | 2% |
Frequently asked questions
Who has the cheapest car insurance in Ann Arbor, MI?
Progressive has the cheapest full coverage car insurance for most Ann Arbor drivers, at an average of $129 per month. AAA has the most affordable minimum liability coverage, at $50 per month, on average.
What are the best car insurance companies in Ann Arbor, Michigan?
USAA, State Farm, Farm Bureau and AAA are the best car insurance companies in Ann Arbor because of their strong reputations for customer satisfaction. You can only get a USAA policy if you or an immediate family member are a current or former member of the military.
How much is car insurance in Ann Arbor Michigan?
A full coverage car insurance policy in Ann Arbor costs $185 per month, on average. That's roughly one-third cheaper than the Michigan state average of $263 per month.
Methodology
To find the best cheap car insurance in Ann Arbor, MI, ValuePenguin collected quotes from eight of the most popular insurance companies in Michigan. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Michigan.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.